General Liability For Clubs
Program Highlights
Named Insured
IMBA Canada and any scheduled affiliated clubs. It includes as insured’s the Municipalities, Government Departments, sponsors and owners of the facilities in whose name you have agreed to provide insurance for their vicarious liability arising out of your operations. The policy is designed to pay all sums you become legally obligated to pay for Bodily Injury or Property Damage caused to a Third Party by you, your employees, your volunteers, your affiliated clubs and members while performing their club duties, including social events, fund raising, hosting non-competitive events and other day to day operations, excluding any racing or speed activities including practices. It also covers the ownership, construction, design, use and maintenance of trails for which you have responsibility built to “Whistler Trail Standards”.
Coverage includes Suits
Injury to spectators or volunteers.
Arising from
Property Damage Liability or General negligence claims, Cost of investigation and defense of claims.
Program Limits:
$ 5,000,000 each occurrence*
$ 5,000,000 products/completed operations
$ 5,000,000 general aggregate
$ 2,000,000 non owned auto
$ 1,000,000 tenant’s legal liability
$ 50,000 medical expenses (any one person/any one claim)
Deductible (reimbursement)
$ 1,000 per claim except $ 25,000 in the USA.
Exclusions
Professional Indemnity/Errors and Omissions, Directors & Officers: racing, speed, or time-related events and practices or stunt activities of any kind; injury to participant or passenger; Host Liquor Liability; liability arising directly or indirectly, in whole or in part, out of the selling, servicing, installation or repair of any vehicle including bicycles, or vehicular parts.
Warranties
- All trails be constructed and maintained to “Whistler Trail Standards”.
- That signage be installed at trail entry points stating that mountain biking can be a dangerous activity, that trail signs must be obeyed, and that users are using the trail at their own risk.
- Participants in events sanctioned by the Insured or their clubs must complete a waiver approved by the underwriters.
Premium
$ 10 per club member, $ 4 per km of trail as described above, subject to a minimum premium and fee of $250 per club. Each club shall provide a completed application and shall be charged as noted above. There is no premium adjustment as they grow. There is no retroactive adjustment due to membership growth.
*Additional coverage above $ 5,000,000 available upon request.
IMBA Canada Affiliate Club insurance program is available nationally through OASIS Insurance.
General Liability FAQ's
Any mountain bicycling club that is a member in good standing of IMBA Canada. If during the policy period such membership is not renewed, or is cancelled or revoked for any cause whatsoever, such non-renewal or cancellation shall operate automatically as a cancellation of this coverage effective without notice. Commercial operators who charge a fee are not eligible.
It covers all activities necessary to conduct the day to day operations of operating the club, including events such as meetings, club rides, trail construction, development or maintenance of trails built to “Whistler Trail Standards”, fund raising events, hosting non-competitive events and other club activities. Coverage is available separately for races, speed events or contests such as enduro’s, hare scrambles, trails, as well as functions where liquor will be served or fund raising golf events, etc.
The club, including employees and volunteers while acting within their scope of duties, sponsors and owners of facilities in whose name you have agreed to provide vicarious liability.
Race, speed events, contests or practices outlined above (if you are not sure, call toll free to 1-866-488-6722 before the event); sexual molestation or abuse; absolute pollution; host liquor and/or forcible ejection. Please refer to policy wording for complete details. It can be requested from IMBA Canada or OASIS.
The limit of liability is $5,000,000 per occurrence and general aggregate. This includes cost of investigation and defence of such claims. The deductible is $1,000 per claim unless the loss occurs in the USA, which is subject to a $25,000 deductible. Higher limits are available upon request, however will require at least 10 working days to arrange terms.
Your premium is based on membership at a cost of $10 per member plus $4 per km of trail, $250 minimum, for which you are legally responsible by your ownership, operation or maintenance. This includes trails you have assumed liability for under contract or land use agreement. Premiums are not retroactively adjusted for growth.
You pay based on membership and km of trail at the time of applying. If you operate a skills park, additional premium may be charged at the discretion of the underwriter. Premiums are charged pro rata from the date of acceptance.
Coverage is in force from the date a completed application is received and accepted.
No.
Each IMBA Affiliate club must purchase their own policy. For example; a small clubs joins a larger club but still retains its autonomy, both clubs are required to be insured separately.
Certain underwriters at Lloyd’s under master policy OASIS0079.
You call Oasis at 1-866-979-2747 or our emergency claims number 1-306-481-6506.
Directors & Officers insurance is available for incorporated entities on a group rating basis with optional limits of $1 million, $2 million or $5 million. A separate policy is issued for each entity. Premiums are as low as $250 for a year. Rates and applications are available on the website oasisinsurance.ca as well as a detailed explanation of coverage.
Accidental Death & Dismemberment is available for all Directors and/or your volunteers while acting within the scope of their duties. This includes while constructing, developing or maintaining a trail. The principal sum is $100,000. Premiums are $16.50 per Director and $2 per volunteer per year. Applications are available on the OASIS website.
Related Resources
